Mercer Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Mercer Savings Bank is an FDIC-insured commercial bank headquartered in Celina, OH, established in 1888 (FDIC certificate 30084), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $176.2M, up 0.1% from Q2 2025, the 105th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 19.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30084
- Headquarters
- Celina, OH
- Established
- 1888
- Total assets, Q2 2026
- $176.2M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 19.15%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 242370776
- Latest call report
- Q2 2026, FFIEC 041 · Mercer Savings Bank call report
- Holding company
- MERCER BANCORP, INC.
- Asset rank in state
- 105th of 154 in Ohio
Mercer Savings Bank spends more to run itself than most banks of its size. The Celina, Ohio bank had $176 million in assets at June 30, 2026. It spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also returns 6.1% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.08% of loans from 0.53%. Loans and deposits moved in opposite directions: over the year loans fell 0.9% and deposits rose 2.8%. One more trend to watch: net income for the quarter slipped 14% from a year earlier, to $345,000.
As of June 30, 2026, Mercer Savings Bank reported a CET1 capital ratio of 19.15%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.54%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Mercer Savings Bank is the 105th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $176.2M, loans rose 1.7% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 63.7% of total loans, ahead of farmland and other real estate loans at 22.5%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Celina 2 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Mercer Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 Irmscher Blvd, Celina, OH 45822
- County
- Mercer
- Metro Area
- Celina, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1888
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $146.4M
- Allowance for credit losses
- $907K
- Net charge-offs (YTD)
- $21K
- Average total assets
- $176.1M
- Average total loans
- $151.1M
- Average interest-bearing deposits
- $129.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30084
- Fed RSSD
- 661072
- SEC CIK
- 1967306 → filed by MERCER BANCORP, INC.
- Website
- www.mercersavings.com →
- Parent Holding Company
- MERCER BANCORP, INC. (RSSD 5838365) · MSBB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Alvin B Parmiter | CEO | President and CEO |
| Rick L Ross | TREAS | Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mercer Savings Bank's total assets ranged from $159.5M (Q3 2023) to $181.8M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$176.2M total assets against $176.0M; $153.3M total liabilities against $154.7M.
$151.0M net loans and leases against $152.3M; $146.4M total deposits against $142.4M.
$9.6M securities against $9.7M; $5.7M cash and balances due against $3.9M.
$2.4M total interest income against $2.4M; $568K total interest expense against $650K.
$1.8M net interest income against $1.8M.
$105K total noninterest income against $68K; $1.5M total noninterest expense against $1.3M.
$0 provision for credit losses against $43K.
$345K net income against $399K.
0.78% return on assets against 0.89%; 4.45% net interest margin against 4.08%.
19.15% CET1 capital ratio against 16.26%; 13.16% tier 1 leverage ratio against 12.04%.
Inside the full Mercer Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Mercer Savings Bank rankings
Its closest position to the top of a national ranking is 386 of 2,134, for CET1 ratio; its furthest is 3,187 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q1 2025) to 0.91% (Q3 2025) and its net interest margin ran from 3.61% (Q3 2024) to 4.50% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.15% | 0.78% | 0.08% | 0.54% | 4.45% |
| Q1 2026 | 18.76% | 0.79% | 0.18% | 1.15% | 4.50% |
| Q4 2025 | 17.88% | 0.48% | 0.54% | 3.51% | 4.19% |
| Q3 2025 | 17.07% | 0.91% | 1.05% | 6.98% | 4.35% |
| Q2 2025 | 16.26% | 0.89% | 0.53% | 3.63% | 4.08% |
| Q1 2025 | 15.71% | 0.26% | 0.62% | 4.37% | 3.87% |
| Q4 2024 | 15.80% | 0.56% | 0.55% | 3.96% | 3.83% |
| Q3 2024 | 15.60% | 0.70% | 0.31% | 2.22% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Celina Branch | Celina , OH | 45822 | $43.7M |
| Mercer Savings Bank (main office) | Celina , OH | 45822 | $39.5M |
| 120 North Wayne St Branch | Fort Recovery , OH | 45846 | $33.8M |
| 123 East Main Street Branch | Greenville , OH | 45331 | $25.3M |
| Mercer Savings Bank Branch | Berne , IN | 46711 | $4.0M |
| Mercer Savings Bank Mobile Location Branch | Geneva , IN | 46740 | $79K |
| Mercer Savings Bank Mobile Location Branch | Decatur , IN | 46733 | $75K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1987 | Structure Change | Acquired Home Federal Savings & Loan Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- March 26, 2008, OCC (former OTS): Civil Money Penalty: Mercer Savings Bank
- Period: Most recent institution action March 26, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 122 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $2.1M approved, $703K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mercer Savings Bank
What are Mercer Savings Bank's total assets?
As of the Q2 2026 filing, Mercer Savings Bank reported total assets of $176.2 million in its FFIEC call report.
Where is Mercer Savings Bank headquartered?
It is headquartered in Celina, OH, United States.
When was Mercer Savings Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Mercer Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mercer Savings Bank?
Mercer Savings Bank's primary federal regulator is the FDIC.
What is Mercer Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mercer Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mercer Savings Bank's Texas Ratio?
Its Texas Ratio is 0.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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